Credit union · NCUA insured
HCP Credit Union CD Rates
HCP Credit Union’s best CD rate is 3.75% APY on a 13-month share certificate (CD). Terms run from 1 year to 3 years. Rates checked October 15, 2026.
How HCP Credit Union’s CD rates compare
Compared with banks and credit unions near Richmond, IN, where HCP Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
HCP Credit Union
3.75%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $407
Term Share Certificate
Top rate
Kemba Credit Union
4.35%APY
- Term
- 40 months
- Minimum
- $500
- Earns on $10,000
- $1,525
2nd-highest rate
Merchants Bank
4.08%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $408
HCP Credit Union CD score
67
CD score
Higher than 18% of U.S. banks and credit unions
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo1.26%
- 31–60 months31–60 mo1.41%
- QualifiedQualified3.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where HCP Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Certificate
Up to 3.75%APY · 4 terms
Interest paid monthly.
| Term | APY · $500 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsInterest paid monthly | 1.11% | — | 1.11% | $111 |
| 13 monthsInterest paid monthly | — | 3.75% | 3.75% | $407 |
| 24 monthsInterest paid monthly | 1.26% | — | 1.26% | $253 |
| 36 monthsInterest paid monthly | 1.41% | — | 1.41% | $429 |
Sources (1)
- hcpfcu.org/rates · captured Oct 15, 2026
Special-purpose accounts
IRA Term Share Certificate
Up to 3.75%APY · 4 terms
Interest paid monthly.
| Term | APY · $500 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsRoth IRA; Interest paid monthly | 1.06% | — | 1.06% | $106 |
| 13 monthsRoth IRA; Interest paid monthly | — | 3.75% | 3.75% | $407 |
| 24 monthsRoth IRA; Interest paid monthly | 1.16% | — | 1.16% | $233 |
| 36 monthsRoth IRA; Interest paid monthly | 1.26% | — | 1.26% | $382 |
Sources (1)
- hcpfcu.org/rates · captured Oct 15, 2026
Who can join HCP Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Anyone who works in the health care profession in Wayne, Fayette, Rush, Henry, Union, Franklin, or Randolph County, IN, or Darke or Preble County, OH is eligible to join.
Family and household
- Members of the household of current credit union members are eligible to join.
- Immediate family members (spouses, children, siblings, parents, grandparents, grandchildren, stepparents, stepchildren, and adopted relations) of current credit union members are eligible to join.
Membership information collected October 5, 2026.